Recently I had to have my dog put to sleep due to kidney failure. My vet submitted the claim form to Animal Friends and then it was up to me to provide the whole of my pets medical history all 12 and a half years!! That meant contacting 3 vets for the history. Seems that Animal Friends are looking after share holders and not our pets. They were not so picky about the medical history when i signed up!. I paid a loaded premium due to the age of my pets only for on pay out to find that Animal Friends took another 20% excess off the claim due to the age of my pets. Totally unsatisfactory if I ever get another pet I will avoid using these badly worded Animal Friends.